Atlanta, GA · Cert 58492
FDIC · 1 branch
Q3 2015
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2015 SOD (annual) · 0.8% share · #17 of 97 inst. · $1.1B of $146.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.61% | 0.59% | 0.73% | 0.71% | +10 bps | |
| Return on Equity | 5.59% | 5.65% | 5.69% | 6.97% | 6.70% | +111 bps | |
| Net Interest Margin | 2.55% | 2.52% | 2.68% | 2.70% | 2.77% | +22 bps | |
| Efficiency Ratio | 68.68% | 68.82% | 66.15% | 63.39% | 64.78% | -391 bps | |
| Non-Interest Burden | 1.63% | 1.61% | 1.66% | 1.49% | 1.60% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.84% | 6.96% | 22.97% | 13.81% | 6.40% | -944 bps | |
| Loan Growth (YoY) | 26.32% | 27.26% | 31.80% | 13.36% | 3.51% | -2,280 bps | |
| Deposit Growth (YoY) | 13.61% | 2.26% | 25.71% | 10.99% | 13.31% | -31 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.12% | 1.10% | 1.09% | 1.13% | 1.13% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 10.45% | 10.43% | 10.82% | n/a | |
| Total Risk-Based Capital | 11.84% | 11.65% | 10.85% | 11.32% | 11.63% | -21 bps | |
| Equity / Assets | 10.42% | 10.51% | 10.33% | 10.55% | 10.73% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.09% | 93.79% | 94.34% | 95.81% | 88.70% | -839 bps | |
| Liquid Assets / Assets | 3.35% | 0.92% | 2.07% | 3.89% | 6.51% | +316 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |